Over 46.3 Million People in the United States (15.4 percent of the US population) did not have health insurance in 2008 (DeNavas-Walt, Proctor, & Smith, 2009). Consequently, many Americans receive little or no health care. Many, but not all of these people are women and children. Some are destitute, some are not. Many of these people are hard working Americans who cannot afford coverage, yet earn too much money to qualify for their state Medicaid plans, but should have access to health care. In 2008, health care expenditures surpassed $2.3 trillion, more than three times the $714 billion spent in 1990, and over eight times the $253 billion spent in 1980 (Kimbuende, Ranji, Lundy, & Salganicoff, 2010, para. 1). In 2007, 62.1 Percent of all US bankruptcies were related to medical expenses. Ironically, 78 percent of the medical bankruptcies were filed by people who had health insurance (Himmelstein, Thorne, Warren, & Woolhandler, 2009). Due to the rising costs of healthcare and increased numbers of the uninsured most Americans support the need for healthcare reform; however the reform that is proposed by the government is unfair, too expensive and inadequate to meet the needs of our population. The United States is the largest developed nation in the world that does not guarantee health coverage for its citizens. Among the nations offering guaranteed healthcare coverage or single-payer systems are: Switzerland, Sweden, Norway, United Kingdom, Netherlands, Luxemburg, Japan, Italy, Ireland, Germany, France and Canada. Among these countries the average spending for healthcare is $4,500 per person while the United States on average spends $7,000 per person. In a 2007 study, when compared with 27 high-income democra... ... middle of paper ... ... 13). Update on health care reform [Electronic mailing list message]. Retrieved from http://www.faegre.com/showarticle.aspx?mailingId=9178&Email=MPowell@cochlear.com&Show=13126 Himmelstein, D., Thorne, D., Warren, E., & Woolhandler, S. (2009). Medical bankruptcy in the United States, 2007: results of a national study (clinical research study). Retrieved from ProCon: http://healthcare.procon.org/ Kimbuende, E., Ranji, U., Lundy, J., & Salganicoff, A. (2010). U.S. health care costs. Retrieved from Kaiser EDU website: http://www.kaiseredu.org/Issue-Modules/US-Health-Care-Costs/Background-Brief.aspx Young, J. (2010, October 14). UnitedHealth proposes Medicare, Medicaid managed-care plan to cut costs [Supplemental material]. Bloomberg. Retrieved from http://www.bloomberg.com/news/2010-10-15/unitedhealth-proposed-managed-care-plan-for-medicare-medicaid-for-savings.html
"The Pros and Cons of ObamaCare." UPMC. N.p., 6 Nov 2013. Web. 14 Apr 2014.
Due to the Patient Protection and Affordable Care Act signed into law on March 23rd, 2010; health care in the US is presently in a state of much needed transition. As of 2008, 46 Million residents (15% of the population) were uninsured and 60% of residents had coverage from private insurers. 55% of those covered by private insurers received it through their employer and 5% paid for it directly. Federal programs covered 24% of Americans; 13% under Medicare and10% under Medicaid. (Squires, 2010)
Access to healthcare provides financial stability by assuring people that they will not be financially destroyed by injury or illness. Additionally, when people can afford regular medical care they tend to avoid chronic problems and financial stress. In a study provided by the American Medical Students Association, researchers reviewed the costs and benefits of universal health care. They came to the conclusion, after reviewing other articles and statistics from multiple sources, that, “The annual cost of diminished health and shorter life spans of Americans without insurance is $65-$130 billion.” (Chua 5) This comes from people not having adequate health care and then losing their jobs because they...
Sommers, B. D., & Epstein, A. M. (2010). Medicaid expansion—the soft underbelly of health care reform. New England Journal of Medicine
On a global scale, the United States is a relatively wealthy country of advanced industrialization. Unfortunately, the healthcare system is among the costliest, spending close to 18% of gross domestic product (GDP) towards funding healthcare (2011). No universal healthcare coverage is currently available. United States healthcare is currently funded through private, federal, state, and local sources. Coverage is provided privately and through the government and military. Nearly 85% of the U.S. population is covered to some extent, leaving a population of close to 48 million without any type of health insurance. Cost is the primary reason for lack of insurance and individuals foregoing medical care and use of prescription medications.
For the last five years of my life I have worked in the healthcare industry. One of the biggest issues plaguing our nation today has been the ever rising cost of health care. If we don't get costs under control, we risk losing the entire system, as well as potentially crippling our economy. For the sake of our future, we must find a way to lower the cost of health care in this nation.
Ghosh, C. (2013). Affordable Care Act: Strategies to Tame the Future. Physician Executive, 39(6), 68-70.
Crowley, Ryan A., and William Golden. "Health Policy Basics: Medicaid Expansion." Annals Of Internal Medicine 160.6 (2014): 423-426. Academic Search Complete. Web. 18 Apr. 2014.
The United States spends vast amounts on its healthcare, while falling short of achieving superiority over other developed nations. One cannot overlook that the deepening recession has left many without jobs and therefore lacking health insurance. According to Fairhall and Steadman, (2009), even though the recession is hard on all, it is worse on the uninsured due to health care and insurance cost rising faster than incomes. Nevertheless, even those with jobs are lacking in health insurance due to employers, who provide insurance, are increasingly dropping their sponsored insurance. Many find that purchasing a health policy or paying for medical care out-of-pocket is cost prohibitive. “Since the recession began in December 2007, the number of unemployed Americans has increased by 3.6 million,” (Fairhall & Steadman, 2009). In 2009 it was stated that approximately 46 million Americans were uninsured, however not all of that number is due to the inability to afford coverage. According to a 2009 story written by Christopher Weaver of Kaiser Health News, 43% of that number should be classified as “voluntarily” uninsured. This subset of uninsured Americans consist of nearly half being young and healthy; therefo...
Before Obamacare was passed, millions of Americans were uninsured, suffered and died prematurely each year since lack of health insurance. Insurance companies could deny any one for pre-existing illnesses or drop them when they get sick, or stop treating them when they touched annual or life-time perimeters. Over 60% of bankruptcies were associated to medical expenses, several of these people had insurance. Insurance companies had no limits on raising premiums. Preventative measures and wellness visits were not covered adequately (Mowrey, 2013).
In recent years, the number of Americans who are uninsured has reached over 45 million citizens, with millions more who only have the very basic of insurance, effectively under insured. With the growing budget cuts to medicaid and the decreasing amount of employers cutting back on their health insurance options, more and more americans are put into positions with poor health care or no access to it at all. At the heart of the issue stems two roots, one concerning the morality of universal health care and the other concerning the economic effects. Many believe that health care reform at a national level is impossible or impractical, and so for too long now our citizens have stood by as our flawed health-care system has transformed into an unfixable mess. The good that universal healthcare would bring to our nation far outweighs the bad, however, so, sooner rather than later, it is important for us to strive towards a society where all people have access to healthcare.
Health insurance, too many American citizens, is not an option. However, some citizens find it unnecessary. Working in the health care field, I witness the effects of uninsured patients on medical offices. Too often, I see a “self-pay” patient receive care from their doctor and then fail to pay for it. Altogether, their refusal to pay leaves the office at a loss of money and calls for patients to pay extra in covering for the cost of the care the uninsured patient received. One office visit does not seem like too big of an expense, but multiple patients failing to pay for the care they receive adds up. Imagine the hospital bills that patients fail to pay; health services in a hospital are double, sometimes triple, in price at a hospital. It is unfair that paying patients are responsible for covering these unpaid services. Luckily, the Affordable Care Act was passed on March 23, 2010, otherwise known as Obamacare. Obamacare is necessary in America because it calls for all citizens to be health insured, no worrying about pre-existing conditions, and free benefits for men and women’s health.
Rising medical costs are a worldwide problem, but nowhere are they higher than in the U.S. Although Americans with good health insurance coverage may get the best medical treatment in the world, the health of the average American, as measured by life expectancy and infant mortality, is below the average of other major industrial countries. Inefficiency, fraud and the expense of malpractice suits are often blamed for high U.S. costs, but the major reason is overinvestment in technology and personnel.
The U.S. expends far more on healthcare than any other country in the world, yet we get fewer benefits, less than ideal health outcomes, and a lot of dissatisfaction manifested by unequal access, the significant numbers of uninsured and underinsured Americans, uneven quality, and unconstrained wastes. The financing of healthcare is also complicated, as there is no single payer system and payment schemes vary across payors and providers.
Health insurance facilitates entry into the health care system. Uninsured people are less likely to receive medical care and more likely to have poor health. Many Americans are foregoing medical care because they cannot afford it, or are struggling to pay their medical bills. “Adults in the US are more likely to go without health care due to cost” (Schoen, Osborn, Squires, Doty, & Pierson, 2010) Many of the currently uninsured or underinsured are forced accept inferior plans with large out-of-pocket costs, or are not be able to afford coverage offered by private health insurers. This lack of adequate coverage makes it difficult for people to get the health care they need and can have a particularly serious impact on a person's health and stability.